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Are you receiving calls from a collection agency or confusing notices about a debt you don’t recognize? Under federal law, you have the right to demand proof before making any payments. This guide empowers you to use a debt validation letter—a powerful legal tool—to protect your rights, challenge inaccuracies, and stop collection efforts until you receive the documentation you’re entitled to.

“God is not a God of disorder but of peace.” (1 Corinthians 14:33, NIV)

When it comes to debt, order and truth matter.

Debt settlement can be a useful tool for getting out of financial hardship, but not all debt relief options are created equal. Many companies push settlement programs even when they’re not appropriate, leaving people worse off than when they started. Others charge hefty fees that may feel disproportionate to the value received—especially when you realize that if you know how to settle debt, you can often do it yourself without paying costly settlement fees.

Tithing while in debt requires a balance between our spiritual commitments and our financial responsibilities. Today, we’re discussing tithing while in debt, with an emphasis on how you can contribute to building His Kingdom, even when you’re facing financial challenges.

When creditors are calling and debt is mounting, knowing how debt settlement works might open up a path to regain control. Consider this scenario: You’ve fallen behind on multiple debts—credit card bills, personal loans, medical expenses, and don’t forget the taxes. Every creditor is demanding payment, and the pressure is overwhelming.

Each collector wants to be paid first, but you only have limited funds. Even if you settle one debt, the others won’t wait. Resolving all your debts at once feels impossible. It seems that no matter where you go or what you do, you’re trapped by debt.

This is where debt settlement can offer a lifeline, providing a structured approach to negotiate with creditors and reduce the total amount owed.

In this article, we’ll walk you through how debt settlement works, its potential benefits and drawbacks, and how to choose the best path toward financial freedom. No matter where you are in your journey, there is hope. With faith, intention, and the right plan, you can take control of your finances and step into a debt-free future.

Estimated reading time: 8 minutes

When Jesus taught us to pray, “Forgive us our debts, as we also have forgiven our debtors” in the Lord’s Prayer, what did He mean? Some translations use the word trespasses, while others say sins. Yet, the word debts—used in Matthew 6:12 of the King James Version—is intentional. It carrys both a financial and spiritual meaning, illustrating how our Heavenly Father calls us to experience both debt forgiveness and spiritual forgiveness.

Christian money management isn’t just about balancing a budget; it’s about aligning our finances with God’s will. From the Old Testament’s seventh-year debt release to Jesus’ teachings on generosity and forgiveness, the Bible isn’t quiet on the topic of managing money in a way that honors God.

You check your credit report, and there it is—that charge-off the collector threatened. Your first instinct? Pay it off as soon as possible to make it disappear. But hold on. Pump the brakes. The truth is, there are several reasons why you should never pay a charge off hastily. While paying a charge-off might seem like the responsible thing to do, it’s not always the best move.

Estimated reading time: 7 minutes

The term “budget” gets tossed around a lot. 

A budget can be simple or complex. It should reflect our income and our expenses, and it should be honest.

Sometimes we’re so focused on our valuables that our budget neglects to reflect our values.

Instead of merely creating a financial budget, let’s instead consider keeping God first and creating a Christian budget.

Estimated reading time: 13 minutes

Have you ever wondered if canceling a credit card is a wise financial move—or if it could bring unexpected difficulties to your financial future? Maybe you’ve had a credit card for years, but now you’re wondering—should I cancel it to avoid temptation? Or will closing it hurt my credit? These are real concerns for many Christians who want to honor God with their finances.

We’re called to be good stewards of our resources, but navigating the world of credit scores, debt, and financial responsibility in a way that honors this calling isn’t always obvious.